The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,237
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,209
−HK$987/mo
Today · 4.125%
HK$33,196
baseline
▲ 0.50% · 4.625%
HK$35,216
+HK$2,020/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$66,392/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,751
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$945/mo
Today · 4.125%
HK$36,628
baseline
▲ 0.50% · 4.625%
HK$38,559
+HK$1,931/mo
Deposit HK$6.85M · loan HK$6.85M · min. income ≈ HK$73,256/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$513,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,485
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,650
−HK$1,185/mo
Today · 4.125%
HK$39,835
baseline
▲ 0.50% · 4.625%
HK$42,259
+HK$2,424/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$79,670/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,701
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,820
−HK$1,134/mo
Today · 4.125%
HK$43,954
baseline
▲ 0.50% · 4.625%
HK$46,271
+HK$2,317/mo
Deposit HK$5.48M · loan HK$8.22M · min. income ≈ HK$87,908/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$513,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,732
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,092
−HK$1,382/mo
Today · 4.125%
HK$46,474
baseline
▲ 0.50% · 4.625%
HK$49,302
+HK$2,828/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$92,948/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,651
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,956
−HK$1,324/mo
Today · 4.125%
HK$51,280
baseline
▲ 0.50% · 4.625%
HK$53,983
+HK$2,703/mo
Deposit HK$4.11M · loan HK$9.59M · min. income ≈ HK$102,560/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$513,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,227
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,976
−HK$1,777/mo
Today · 4.125%
HK$59,753
baseline
▲ 0.50% · 4.625%
HK$63,388
+HK$3,635/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$119,506/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,552
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,229
−HK$1,702/mo
Today · 4.125%
HK$65,931
baseline
▲ 0.50% · 4.625%
HK$69,406
+HK$3,475/mo
Deposit HK$1.37M · loan HK$12.33M · min. income ≈ HK$131,862/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$513,711 · Scale 2, in force from 26 Feb 2026)